2
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
FORM 10-K
[X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 1996.
Commission file number 0-10669
C B & T, Inc.
(Exact name of registrant as specified in its charter)
TENNESSEE 62-1121054
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)
1O1 East Main Street
McMinnville, Tennessee 37110
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (615) 473-2148
Securities registered pursuant to Section 12(b) of the Act:
Title of each class Name of each exchange
which registered
None
Securities registered pursuant to Section 12(g) of the Act:
Common Stock par value $2.50 per share
(Title of class)
Indicate by check mark whether the registrant (1) has filed all
reports required to be filed by Section 13 or 15(d) of the
Securities Exchange Act of 1934 during the preceding 12 months
(or for such shorter period that the registrant was required to
file such reports), and (2) has been subject to such filing
requirements for the past 90 days. Yes X No
Indicate by check mark if disclosure of delinquent filers
pursuant to Item 405 of Regulation S-K (Section 229.405 of this
chapter) is not contained herein, and will not be contained, to
the best of registrant's knowledge, in definitive proxy or
information statements incorporated by reference in Part III of
this Form 1O-K or any amendment to this Form 10-K. [X]
This filing contains 63 pages.
<PAGE> 1
SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) of the
Securities Exchange Act of 1934, the Registrant has duly caused
this report to be signed on its behalf by the undersigned,
thereunto duly authorized.
C B & T, Inc.
By: /s/ Jeffrey A. Golden
Jeffrey A. Golden, Chairman,
President, Chief Executive
Officer
Date: March 11, 1997
Pursuant to the requirements of the Securities Exchange Act of
1934, this report has been signed below by the following persons
on behalf of the registrant and in the capacities and on the
dates indicated.
/s/ Jeffrey A. Golden
Jeffrey A. Golden, Chairman
President, Chief Executive Officer
(Principal Executive and Financial Officer)
Date: March 11, 1997
/s/ Jerry N. Brown
Jerry N. Brown, Senior Vice President
City Bank & Trust Company
(Chief Financial Officer)
Date: March 11, 1997
<PAGE> 2
SIGNATURES -- Continued
/s/ Robert W. Boyd, Sr. /s/ James H. Hillis
Robert W. Boyd, Sr., Director James H. Hillis, Director
Date: March 11, 1997 Date: March 11, 1997
/s/ Larry E. Brown /s/ J. Paul Holder
Larry E. Brown, Director J. Paul Holder, Director
Date: March 11, 1997 Date: March 11, 1997
/s/ John R. Collier, Jr. /s/ M. Thomas Mullican
John R. Collier, Jr., Director M. Thomas Mullican, Director
Date: March 11, 1997 Date: March 11, 1997
/s/ James A. Dillon, Jr. /s/ James A. Puckett
James A. Dillon, Jr., Director James A. Puckett, Director
Date: March 11, 1997 Date: March 11, 1997
/s/ Jeffrey A. Golden /s/ Leon B. Stribling
Jeffrey A. Golden, Director Leon B. Stribling, Director
Date: March 11, 1997 Date: March 11, 1997
/s/ Charles D. Haston /s/ James E. Walling
Charles D. Haston, Director James E. Walling, Director
Date: March 11, 1997 Date: March 11, 1997
<PAGE> 3
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<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<CASH> 6,901
<INT-BEARING-DEPOSITS> 120
<FED-FUNDS-SOLD> 1,175
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0
0
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